{"schema_version":"secwatch.filing_event.v1","accession":"0001275101-26-000008","form_type":"8-K","ticker":"BOTJ","cik":"0001275101","company_name":"BANK OF THE JAMES FINANCIAL GROUP INC","filed_at":"2026-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.689217+00:00","generated_at":"2026-05-16T04:50:55.161972+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Bank of the James Reports Record 2025 Net Income of $9.02 Million, Up 13.6%","bullets":["Record annual earnings of $9.02 million for 2025, up from $7.94 million in 2024.","Fourth quarter net income $2.72 million, EPS $0.60, vs $1.62 million and $0.36 in Q4 2024.","Total assets reached $1.04 billion at Dec 31, 2025, up 6.1% from $979.24 million.","Net interest margin improved to 3.44% in Q4 2025 from 3.18% in Q4 2024.","Efficiency ratio improved to 70.81% in Q4 2025 from 82.62% in Q4 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001275101-26-000008","json":"https://secwatch.observer/filing/0001275101-26-000008.json","markdown":"https://secwatch.observer/filing/0001275101-26-000008.md","text":"https://secwatch.observer/filing/0001275101-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000008/0001275101-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1275101/000127510126000008/botj-20260204x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-16T04:50:55.161972+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}